A PAN Card is an important legal document used for identification purposes. It is mandatory for people to link their PAN with their bank accounts as well as other financial platforms they use, which in turn, makes it quite easy for credit information bureaus to pull data about credit users and how they use credit. The credit information agencies then use the data to assess the credit user’s creditworthiness and assign them a credit score. 

TransUnion CIBIL is the oldest, most popular credit information company in India. It has been operational in the country since 2000 and is highly popular among lenders. To access your CIBIL score or other details, TransUnion CIBIL will require you to share your PAN details, primarily because PAN is a unique identification number. In other words, PAN is unique to each credit user and consequently, no two individuals can have the same PAN card number. This makes PAN number one of the easiest and most effective ways for TransUnion CIBIL to save and categorize information about credit users. 

So, can one check CIBIL score by PAN card number alone? The answer is no. If you do not have PAN details, you can still check your CIBIL score with the help of another identity proof document, such as your Passport or Aadhar. However, a CIBIL score check online by PAN number is certainly the easier option. 

How to Check CIBIL Score by PAN Number?

Before we get into the details of how to check CIBIL score by PAN number, let us clarify another doubt that many people have. Many people assume that changes in PAN cards will automatically lead to changes in one’s CIBIL score for home loans. This is a myth. Requesting a duplicate PAN card or changing the address on it, won’t have any impact on your credit rating, primarily because these changes won’t affect your PAN number, which will remain the same. 

Let us now go through the steps to check the CIBIL Score using PAN Card details: 

1. Go to TransUnion CIBIL’s official website. On the homepage and the top right corner of your screen, you will see the option ‘Get Your Credit Score.’ Select this option. 
2. Next, depending on how often you want TransUnion CIBIL to share your CIBIL score with you, select a subscription plan. 
3. During the next step, enter your PAN card details. TransUnion CIBIL will use your PAN details to identify your CIBIL account and fetch the correct information for you. 
4. Enter your email address or the address to which you want your CIBIL report to be sent. Provide other additional information, including your date of birth, phone number, gender, etc. This information will further help TransUnion CIBIL match you with the right profile.
5. Enter the captcha code when prompted and acknowledge the loan terms and conditions.  
6. Make payment and TransUnion CIBIL will send you your CIBIL report to the email address mentioned by you in your application. 

A CIBIL score between 750 and 900 is considered a good CIBIL score for home loan. If your CIBIL rating falls in the good CIBIL score range, you will be able to negotiate for the loan to be extended on loan terms and conditions that are profitable to you. A low CIBIL rating, on the contrary, will make securing the loan and negotiating for profitable loan terms and conditions challenging.

In the next section of this article, we discuss the factors that affect CIBIL scores and what applicants can do to build the ideal CIBIL for home loans. 

Factors that Affect Your CIBIL Score

1. Irresponsible repayment behaviour is one of the most important factors that affects the CIBIL score. Missing loan EMIs often can cause your CIBIL rating to go down by as much as 100 points or even higher. Consequently, never miss paying your credit card bills and EMIs. If you do miss a deadline, try to clear the payment as quickly as possible.  
2. Applying for too many loans and credit cards can portray you as someone credit-hungry, leading to a negative impact on your credit rating. Loan applicants and credit card applicants must therefore never make too many applications simultaneously. 
3. Maintaining a credit utilization ratio below 30% establishes you as a responsible credit user, someone who can be trusted with timely repayment of EMIs. 
4. Having a mix of secured and unsecured loans convinces lenders and credit information agencies of a loan applicant’s ability to handle all types of debt and thus, such individuals have a better credit rating. Credit users must try and maintain a balance between secured and unsecured loans. 
5. Lastly, borrowers must also maintain all old credit cards and accounts as the longer an individual’s credit history, the better their credit rating.